| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES LLC | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $669 | $2K | 4.39% |
| THE HUNKEN AGENCY, INC.3 Filed as: THE HUNKEN AGENCY INC | 225 W WASHINGTON ST #1550 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.11% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $762 | $2K | 9.41% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $270 | — | $270 | 1.35% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $805 | $517 | $1K | 10.01% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY SUITER 650 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159 | — | $159 | 1.20% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $702 | $467 | $1K | 10.26% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $137 | — | $137 | 1.20% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $235 | — | $235 | 2.50% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60651 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | $240 | $601 | 9.88% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73 | — | $73 | 1.20% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $49K |
| Vision | EYEMED VISION CARE | 141 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $13K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.